Fayetteville, AR · Cert 26975
FDIC · 8 branches
Q3 2015
Market Position · Fayetteville-Springdale-Rogers, AR-MO · 2015 SOD (annual) · 3.5% share · #5 of 38 inst. · $0.3B of $9.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 0.74% | 0.71% | 0.72% | 0.33% | -43 bps | |
| Return on Equity | 6.13% | 6.03% | 6.06% | 6.22% | 2.81% | -332 bps | |
| Net Interest Margin | 3.40% | 3.38% | 3.41% | 3.51% | 3.43% | +4 bps | |
| Efficiency Ratio | 70.98% | 75.17% | 72.41% | 72.58% | 88.25% | +1,727 bps | |
| Non-Interest Burden | 2.17% | 2.34% | 2.22% | 2.30% | 2.90% | +73 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.03% | 4.55% | 1.58% | 6.15% | 2.25% | +22 bps | |
| Loan Growth (YoY) | 6.92% | 2.76% | 9.42% | 11.90% | 3.00% | -392 bps | |
| Deposit Growth (YoY) | 2.88% | 5.78% | 3.84% | 8.71% | 4.46% | +158 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.14% | 0.02% | 0.00% | -0.02% | -20 bps | |
| Allowance / Loans | 1.19% | 1.26% | 1.18% | 1.19% | 1.21% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 10.72% | 10.71% | 10.46% | n/a | |
| Total Risk-Based Capital | 16.00% | 16.22% | 14.75% | 15.22% | 15.24% | -76 bps | |
| Equity / Assets | 12.28% | 11.72% | 11.73% | 11.36% | 11.74% | -54 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.29% | 74.91% | 78.03% | 75.09% | 78.19% | -111 bps | |
| Liquid Assets / Assets | 4.92% | 9.38% | 6.33% | 10.94% | 7.72% | +280 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |